New Zealand Tools

KiwiSaver Calculator

Calculate your KiwiSaver retirement balance, contributions, and employer match in seconds.

KiwiSaver Employer Contribution Calculator

Calculate gross employer contributions, ESCT, and the net amount landing in your KiwiSaver account.

KiwiSaver Calculator NZ 2026

Calculate KiwiSaver contributions, employer match, and government top-up for 2026. Project retirement balance at 65.

NZ PAYE Tax Calculator

Calculate your New Zealand take-home pay after income tax, ACC levy, and KiwiSaver deductions.

NZ Working for Families Calculator

Estimate your Family Tax Credit, In-Work Tax Credit, and Best Start payments for 2025-26.

NZ ACC Earner Levy Calculator

Calculate your ACC earner levy on employment or self-employed income with 2025-26 rates and cap.

NZ GST Calculator

Add 15% GST to a net price or extract GST from a GST-inclusive total. Instant, private NZ GST maths.

NZ Income Tax Calculator 2025-26

Calculate total NZ income tax across salary, rental, dividends, and self-employment using 2025-26 IRD rates.

NZ Mortgage Fix vs Float

Compare fixed and floating mortgage rates and find the lowest-cost option for your NZ home loan.

NZ Mortgage Rate Rise Calculator

Calculate exactly how much your repayments will increase when NZ mortgage rates rise. See monthly, fortnightly, and annual impact with a stress-test table.

NZ First Home Grant Calculator

Calculate your First Home Grant and KiwiSaver withdrawal for buying your first home in New Zealand.

KiwiSaver First Home Grant Calculator NZ 2026

Check First Home Grant eligibility, KiwiSaver withdrawal amount, income caps and 5-year contribution rule for first-home buyers in New Zealand.

NZ Student Loan Repayment Calculator

Calculate your IRD student loan repayments, years to repay, and savings from voluntary extra payments. 0% interest for NZ residents.

NZ Rental Yield Calculator

Calculate gross and net rental yield on New Zealand investment properties. Compare returns across suburbs and property types.

NZ Rental Income Tax Calculator

Calculate income tax on your New Zealand rental property earnings — deduct rates, insurance, interest, and management fees for 2025-26.

NZ Bright-Line Tax Calculator

Estimate Bright-Line property tax on NZ residential property sales under the 2-year rule from 1 July 2024.

NZ Brightline Test Calculator 2026

Find out if the brightline test applies to your NZ property sale and estimate your tax. Covers new builds, main home exemption, and accurate marginal rate stacking.

KiwiSaver Retirement Income Calculator

Calculate how much monthly retirement income your KiwiSaver will provide, combined with NZ Super, and how long your savings will last.

KiwiSaver Fund Selector Quiz

Find your ideal KiwiSaver fund type — Defensive, Conservative, Balanced, Growth, or Aggressive Growth — based on your age, goals, and risk profile.

NZ FIF Tax Calculator

Calculate your Foreign Investment Fund tax. Compare Fair Dividend Rate vs Comparative Value methods to find the lowest tax bill. Includes $50,000 threshold check.

NZ Super Rate Calculator 2025-26

Check your NZ Superannuation eligibility and see weekly, fortnightly, and annual payment rates by living situation and tax code.

NZ PIE Tax Rate Optimizer 2025-26

Find your correct Prescribed Investor Rate (PIR) for KiwiSaver and PIE funds. See your tax saving vs paying at your marginal rate.

NZ FBT Calculator 2025-26

Calculate Fringe Benefit Tax on company motor vehicles, low-interest loans, and other employer-provided benefits using 2025-26 IRD single-rate and alternate-rate methods.

NZ Fringe Benefit Tax Calculator

Compare single rate (63.93%) vs alternate rate FBT side by side. Covers motor vehicles, low-interest loans, and other benefits. See which method saves more — free, private, based on IRD 2025-26 rates.

NZ Provisional Tax Estimator 2025-26

Estimate your provisional tax instalments using the standard 105% uplift or estimation method. See payment dates and amounts for self-employed and landlords.

NZ RWT Interest Tax Calculator 2025-26

Calculate Resident Withholding Tax deducted from your bank interest. Check if your RWT rate is correctly set for your income bracket. Based on 2025-26 IRD rates.

NZ Working Holiday Visa Tax Refund

Estimate your NZ income tax refund as a working holiday visa holder. Enter wages earned and PAYE paid to see your likely refund based on 2025-26 IRD rates.

KiwiSaver Fees Comparison Calculator

Compare KiwiSaver fund fees and see how they impact your retirement savings over 10, 20, or 30 years. Low-cost vs active fund analysis.

ACC Levy Calculator 2026

Calculate ACC levies in New Zealand — earners' levy, work levy by industry, and total annual ACC costs for employees and self-employed.

NZ Best Start Payment Calculator

Calculate Best Start payment 2026 — NZ$73/week per child up to age 3. Year 1 universal, Year 2-3 income-tested. IRD eligibility. Free.

Fortnightly vs Monthly Mortgage Calculator (NZ)

Compare NZ fortnightly vs monthly mortgage payments. See how fortnightly payments shave years off your loan and save thousands in interest. 2026 RBNZ rate ready.

NZ Independent Earner Tax Credit Calculator 2026

Calculate your Independent Earner Tax Credit (IETC) for NZ tax year 2026. Up to $520/year for individuals earning $24,000-$70,000 with no Working for Families, NZ Super, or main benefit.

KiwiSaver First Home Buyer Withdrawal Calculator

Calculate your KiwiSaver first home withdrawal: balance available, minimum $1,000 retained, 3+ year membership rule. Free, IRD 2026 rules.

NZ Super Eligibility Calculator 2026

Check if you qualify for New Zealand Superannuation in 2026. Free calculator covers age 65, 10/5-year residency rule, payment rates, and partner deduction.

NZ Paid Parental Leave Calculator 2026

Calculate New Zealand Paid Parental Leave (PPL) payment 2026 — 26 weeks at up to $811.05/week. IRD calculation, eligibility, top-up. Free.

NZ Resident Withholding Tax Calculator

Calculate Resident Withholding Tax (RWT) on NZ bank interest and dividends. Pick the correct RWT rate (10.5%, 17.5%, 30%, 33%, 39%) based on your taxable income.

NZ Student Loan Repayment Calculator 2026

Calculate New Zealand IRD student loan repayment at 12% over the $24,128 threshold for 2026. See annual repayment, payoff timeline, and overseas-based borrower rules. Free.

NZ Working for Families Tax Credit Calculator 2026

Calculate your 2026 New Zealand Working for Families tax credit entitlement — Family Tax Credit, In-Work Tax Credit, Best Start payment, and Minimum Family Tax Credit. Free and private.

NZ Parental Leave Payment Calculator 2026

Calculate New Zealand Paid Parental Leave (PPL) weekly entitlement. Max NZ$811.05/week gross 2026, 26 weeks, IRD-paid for eligible employees and self-employed.

NZ ACC Earner Levy 2027 Calculator — 1.39% on Income

Calculate ACC Earner Levy 2027 NZ — 1.39% on income up to NZ$152,790 max liable earnings ceiling. Self-employed combined work account levy.

ACC Levy Self-Employed Calculator NZ 2027

Free NZ ACC levy calculator 2027 — self-employed earner + worker levies by CU classification, total payable to ACC for 2026-27 income year.

Airbnb Income GST Threshold 2027 Calculator (NZ)

Check if your Airbnb / short-stay income hits NZ GST threshold 2027 ($60,000). Includes 15% GST output + claimable input. Free, private, no sign-up.

Auckland Rates 2027 Calculator (Auckland Council Property Rates)

Estimate Auckland Council rates 2027 from Capital Value (CV) using urban/rural rate-in-dollar + UAGC. Free, private, no sign-up.

NZ Best Start Tax Credit 2027 Calculator — Up to NZ$73/Week

Calculate NZ Best Start payment 2027 — up to NZ$73/week for under-3s. Year 1 universal, Year 2-3 income-tested (NZ$79,000 threshold).

NZ Bright-Line Test 2026 Calculator — 2-Year Property Tax

Calculate NZ Bright-Line Test 2026 — 2-year hold for residential property purchased after 1 July 2024. Tax on capital gain at marginal rate, main home exclusion.

Community Services Card Eligibility Checker 2027 (NZ)

Check Community Services Card 2027 eligibility — NZ CSC income thresholds by family size + healthcare benefits (GP visits, prescriptions). Free, private.

NZ Cryptocurrency Disposal Tax 2027 Calculator

Calculate NZ crypto disposal tax 2027 — IRD treats crypto as income on intent to dispose, taxed at marginal rate. FIFO + average cost. Free, private.

NZ Asset Depreciation 2027 Calculator

Calculate IRD asset depreciation 2027 NZ — diminishing value (DV) or straight line (SL) for vehicles, computers, plant. Yearly + book value. Free, private.

NZ Best Start Payment Calculator 2026

Calculate NZ Best Start Payment 2026: $73/week universal under 1, income-tested under 3. Free Working for Families calculator. Private.

NZ GST 15% Calculator — Add, Extract, Reverse

Free NZ Goods and Services Tax (GST) calculator — 15% standard rate. Add GST to net price, extract GST from gross price, and reverse-calculate net from GST-only amount.

NZ GST Calculator 2026

Calculate NZ Goods and Services Tax (GST) free. Add 15% or extract from total. Per Inland Revenue Department. Private.

NZ In-Work Tax Credit (IWTC) Calculator 2026

Calculate NZ In-Work Tax Credit (IWTC) 2026: $97.50/week base + $15/week per child after 3rd, work-hour requirement. Free Working for Families NZ tool. Private.

Jobseeker Support 2027 Calculator (NZ)

Calculate NZ Jobseeker Support 2027 weekly rates by family status, partner status, and children. Includes Accommodation Supplement guidance. Free, private.

KiwiSaver Calculator 2026

Calculate KiwiSaver employee + employer contributions + member tax credit free. 3%/4%/6%/8%/10% rates. Private, no email.

KiwiSaver Employer Rate 2027 Increase Calculator NZ

KiwiSaver minimum employer rate rises from 3% to 4% by 2028 (legislated). Calculate 2027 employer cost increase + total compensation impact.

NZ KiwiSaver Employer + Employee 2027 Contribution Calculator

Calculate KiwiSaver employee + employer + government contributions for 2027. Includes 3-10% employee rates and NZD 521 max member tax credit.

KiwiSaver Employer Match 2027 Calculator (NZ)

Free NZ KiwiSaver calculator 2027 — employee + employer contributions, government $521 contribution, fund balance projection over 30+ years.

KiwiSaver Employer Match Calculator — NZ 2026

Calculate KiwiSaver contributions, employer match, and NZ government member tax credit ($521/yr). Free, private, instant — no sign-up. Source: ird.govt.nz.

NZ KiwiSaver Employer Match Up to 10% 2027 Calculator

Calculate KiwiSaver employer match scenarios above the default 3% — many NZ employers match 4%, 6%, 8%, or 10%. Compare lifetime balance impact.

KiwiSaver Government Contribution Calculator

Calculate the NZ$521.43 KiwiSaver government contribution for 2026 — confirm you are contributing enough each year to claim the full match.

Look-Through Company (LTC) 2027 Tax Calculator (NZ)

Calculate NZ Look-Through Company (LTC) tax 2027 — profit + loss flow-through to owners at marginal rate vs flat 28% company tax. Free, private.

NZ ACC Claim Weekly Compensation Calculator

Calculate ACC weekly compensation 80% of earnings for NZ workplace and non-workplace injuries. Free, private.

NZ ACC Earner Levy 2028 Calculator

ACC Earner Levy 2028 — 1.6% of earnings up to NZ$142,283 cap. Calculate annual ACC levy for 2028.

NZ ACC Levy Band Employer 2026 Calculator

Calculate NZ ACC employer levy by industry classification. Risk band rates 2026. Free, private.

Bright-Line Test 2027 Property Tax Calculator NZ

Calculate NZ Bright-Line tax on a 2027 property sale. Free 2-year rule calculator with capital-gain tax estimate at marginal income tax rates.

NZ Bright-Line Test 2028 Property

Bright-line 2028 — 2 years residential (back from 10y) post-2024 change. Calculate tax if sold within 2yr.

NZ Bright Line Test Extension 2026 Calculator

Calculate NZ bright-line property tax. 2-year rule (from July 2024), tax-free family home exemption. Free.

NZ FBT Fringe Benefit Tax 2028

NZ FBT 2028 — 49.25% standard rate or alternate rate calc. Calculate employer FBT for 2028.

NZ FIF Attributing Interest 2027 Calculator

Foreign Investment Fund (FIF) attribution rules for shareholdings > NZ$50k. Calculate Fair Dividend Rate (FDR) 5% method tax 2027.

NZ FIF Foreign Investment Fund 2027 FDR vs Cost Calculator

Free NZ FIF calculator 2027 — Fair Dividend Rate (FDR) 5% method vs Cost method vs Comparative Value, NZ$50k de minimis threshold, US ETF tax.

NZ GST 15% Calculator — Add or Remove (2027)

Free NZ GST calculator — add 15% GST to a net price or extract GST from a GST-inclusive total. IRD-compliant for 2027 invoicing and BAS prep.

NZ GST 2028 15% Calculator

NZ GST 2028 — 15% standard rate. Calculate GST on prices for 2028 GST returns.

NZ KiwiSaver 2028 Employer 3% Calculator

KiwiSaver 2028 — minimum 3% employer + 3% employee. Calculate annual KiwiSaver employer contribution for 2028.

KiwiSaver Employer Default Rate Calculator 2027

Calculate KiwiSaver employer contribution 2027: 3% default, ESCT tax, FY27 changes. Free NZ retirement tool. Private.

Kiwisaver First Home Withdrawal 2027 Calculator

Calculate how much you can withdraw from your Kiwisaver for a 2027 NZ first-home deposit. Includes NZ$1,000 minimum residual rule. Free, private.

Kiwisaver Government Contribution 2027 Calculator NZ

Calculate your 2027 Kiwisaver Government contribution. NZ Govt matches 25c per $1 up to $260.72/year for age 18+ contributors. Free, private.

Paid Parental Leave (PPL) Calculator NZ 2027

Free NZ Paid Parental Leave calculator 2027 — 26 weeks at greater-of-80%-pay-or-IRD-rate (NZ$811.05/wk max), eligibility hours, and partner leave.

NZ Paid Parental Leave 2027 Calculator

PPL 2027 — max NZ$811.05/week before tax for 26 weeks. Calculate eligibility + take-home 2027 (source: ird.govt.nz / msd.govt.nz).

NZ PAYE 2028 Tax Rates Calculator

NZ PAYE 2028 — bands 10.5/17.5/30/33/39%. Calculate PAYE deduction for 2028 income year.

NZ Provisional Tax 2028 Uplift Method

Provisional tax 2028 — pay in 3 installments (Aug, Jan, May). Calculate uplift method amount.

NZ Rental Income Tax 2028 Landlord

Rental income 2028 — taxed at marginal rate. Calculate net rental income after tax for 2028.

NZ R&D Loss Tax Credit 2027 Calculator

NZ R&D Loss Tax Credit lets eligible startups cash out tax losses on R&D up to NZ$5M/yr at 28%. Calculate cash refund 2027 (source: ird.govt.nz).

NZ RWT Resident Withholding 2028

RWT 2028 — withheld on interest income at rates 10.5/17.5/30/33%. Calculate RWT on bank interest.

NZ Student Loan 2028 12% Repayment

Student loan 2028 — 12% of income > NZ$24,128 threshold. Calculate annual repayment for 2028.

NZ Student Loan Repayment Calculator 2027

Free NZ student loan calculator 2027 — 12% repayment rate above $24,128 IRD threshold, plus voluntary lump sum and overseas-based repayment math.

NZ Super 2027 Rate Couple vs Single Calculator

NZ Super 2027 rate — NZ$558/wk net single living alone, NZ$429/wk net per partner if both 65+. Calculate annual after-tax super 2027.

NZ Superannuation 2028 65+ Rate

NZ Super 2028 — universal pension from age 65, ~NZ$24,721/yr single living alone. Calculate after-tax rate 2028.

NZ Superannuation Eligibility & Rate Calculator (2027)

Free NZ Super eligibility checker 2027 — confirm 65+ age, 10-year residence rule, and fortnightly rate single/married. MSD-compliant for 2026-27.

NZ Superannuation 2027 Calculator — Eligibility & Payment

Free NZ Super 2027 calculator — eligibility check (age 65, residency), single/couple weekly rates, tax codes M/SM, and overseas pension offset.

NZ Working for Families 2028 Credit

Working for Families 2028 — FTC + IWTC, abates above $42,700. Calculate WFF entitlement for 2028.

NZ Paid Parental Leave 2027 Calculator — Up to NZ$754 Weekly

Calculate NZ Paid Parental Leave (PPL) 2027 — up to NZ$811.05/week for 26 weeks. Eligibility (6+ months service, 10+ hrs/wk), self-employed PPL formula.

Parental Leave Payment 2027 Calculator (NZ)

Calculate NZ Paid Parental Leave 2027: up to NZ$811.05/week for 26 weeks. Employee, self-employed, or transferred parent. Free, private, no sign-up.

PIR 2027 Calculator (NZ PIE Tax Rate)

Find your correct NZ PIR 2027 — Prescribed Investor Rate 10.5%, 17.5% or 28% for KiwiSaver + PIE funds. Two-year income test. Free, private.

NZ Ride-Share Driver Tax 2027 Calculator (Uber / Ola / Bolt)

Calculate NZ Uber / Ola / Bolt driver tax 2027 — income tax + ACC levy + 15% GST + IRD mileage rate. Free, private, no sign-up.

NZ Student Loan 12% Repayment Calculator 2026

Calculate New Zealand student loan repayment at 12% over the $24,128 threshold for 2026. IRD rates, payoff timeline. Free, instant.

NZ Student Loan 12% Repayment Threshold Calculator 2027

Calculate NZ student loan repayment 2027 — 12% of income above $24,128 threshold. NZ residents only — overseas borrowers face different rules.

NZ Student Loan Overseas Borrower 2027 Repayment Calculator

Calculate NZ student loan overseas borrower repayments 2027 — interest 3.9%, fixed annual obligation, repayment holiday, and arrears penalty.

NZ Student Loan Repayment Calculator 2026 — 12% Over $24,128

Free NZ student loan repayment calculator 2026 — IRD 12% rate on income over $24,128 threshold, including overseas-based 4% interest impact and accelerated payoff strategy.

NZ Student Loan Repayment Threshold 2027 Calculator

Calculate NZ student loan repayment 2027 — 12% above NZD 24,128 threshold. Includes overseas-based borrower rules and SLCIR / SLBOR codes.

NZ Superannuation Calculator

Calculate NZ Superannuation 2026 free. Couple vs single rates, residency requirements, work bonus. Private.

NZ Superannuation Age 65 Eligibility Calculator 2027

Check NZ Super eligibility 2027 — age 65+, NZ residency 10 years (5 after age 50), no asset test. Calculate fortnightly payment by living situation.

NZ Superannuation Eligibility + Residency Checker

Check NZ Superannuation eligibility 2027: age 65, residency 10 years (raising to 20). Years lived in NZ checker, after-55 residency rule. Free, private.

Working for Families FTC + IWTC 2027 Calculator (NZ)

Calculate Working for Families Family Tax Credit + In-Work Tax Credit 2027 NZ. Per-child rates, abatement thresholds, weekly + annual payments. Free, private.

NZ Working for Families Tax Credit Calculator 2026

Calculate NZ Working for Families tax credit 2026 — FTC, IWTC, BSTC, MFTC. IRD/Inland Revenue official rates.

NZ Working for Families Tax Credit 2027 Calculator

Calculate Working for Families tax credit 2027 — Family Tax Credit, In-Work Tax Credit, Best Start, Minimum Family Tax Credit by family income and children.

Working for Families Tax Credit (FTC + IWTC) Calculator 2027

Free NZ Working for Families calculator 2027 — Family Tax Credit, In-Work Tax Credit, and abatement at the 27% rate above the $42,700 IRD threshold.